How to File a Claim with Star Health Insurance

Prompt claim response, smooth and hassle-free claim settlement, less paperwork etc. are the sign of a good health insurer. A standard claim settlement ratio is one of the decisive factors of health insurance that indicates the ability of an insurer to keep its customers happy. There are several insurers who stand unique in terms of their punctuality when it comes to settling a claim, who also brag for having a sound CSR. One such insurer is Star Health & Allied Insurance Co. Ltd.

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    If we look at the past years’ record, the insurer is among the leading health insurance providers who not only offer comprehensive health insurance benefits, but also know how to keep its users satisfied.  Some statistics such as Rs 12,739 Crore towards claims, 90% of claims settled in 2 hours, in-house claim settlement with no involvement of a TPA, 9900+ network hospitals across the country, 4.9 million claims settled since its inception etc. indicate its potential towards providing quality services, especially in terms of claim settlement.

    In this article, we’ll know what makes star health claim settlement unique! But before digging into deep, let us brief the health insurance claim process.

    Health Insurance Claim & Its Importance!

    A health insurance claim refers to the process where the insured can request for a compensation for the medical expenses incurred. The process of submit a claim is of two types, cashless and reimbursement claim. Where a cashless claim will only be submitted with Star health network hospitals, a reimbursement claim can be availed at any hospital, within one’s vicinity. The claim benefits can be availed by submitting a claim form along with the relevant documents supporting the claim. 

    Options to File a Star Health Insurance Claim

    There are a few ways to file a claim with the Star Health & Allied Insurance Company.

    The first way is when the TPA can submit the claim directly to the insurance company. But in case of Star Health, there is no involvement of TPA, so the claim process has to be initiated by the insured.

    The second way is by completing the claim formalities starting from filling the claim form and submitting along with the relevant document on own. The cashless claim requires a pre-authorization letter or claim form to be filled and submitted, where in case of reimbursement claim, one can download the claim form from the insurer’s website or contact the customer care.

    Information Required to File Star Health Insurance Claim

    Knowing the required information for filing a health insurance claim is very important. A lack of information may cause claim rejection. So, here’re some useful things you can take along with while submitting a health insurance claim form.

    • The form should be self-explanatory, with complete information such as health insurance policy number, type of plan or coverage, number of members covered etc.
    • Mention of the nominee or who will receive the service or claim
    • Type of illness or treatment, medical bills & receipts etc.
    • To avail the policy coverage, one must ensure that the policy is active or the star health insurance renewal is done on time.

    Steps for Filing Your Star Health Insurance Claim

    Star Health & Allied Insurance Company is quite popular for providing seamless claim settlement. The easy claim steps to be followed are:

    Inform the Insurer

    The foremost step is to inform the Star Health & Allied Insurance Co. Ltd. about the medical condition that has raised the claim. You can inform the insurer by writing a mail or contacting the customer care on toll-free number.

    Obtain Medical Bills & Receipts

    An itemized bill is essential for proving the claim, containing all the expenses of treatment or drugs suggested by the doctor. The insurer will ask you to attach the original bills while submitting the claim.

    Avail the Claim Form

    To avail the claim form you can either contact the insurer or visit their official website to download the form. The claim form will contain the instructions of what other necessary information you may require in order to register a claim.

    Make Additional Copies

    Once the claim for is filled, don’t forget to make copies of it, including the documents or medical bills. It will reduce the errors that may be made during the claim process. Also, review the paperwork you are going to submit.

    Submit the Claim Form Online

    Always go through the insurers website before submitting the claim form online. These days, health insurers provide the provision of log onto the health insurance plan online. You can also confirm with your insurer if they’re providing the same. Once everything is finalized, the last step is to submit the claim form online. You can go to the claim section of the insurer and follow the basic instructions to submit the claim. Once the claim is submitted, you will receive a confirmation on the receiving. Further, the claim process will be initiated accordingly.

    Benefits of Filing Star Health Insurance Online

    The prime benefit of filing Star health insurance claims online is that the settlement of your claimed amount may be faster. Getting your claim settled as fast as possible is the only thing you wish in the times of need. In this case, Star Health & Allied Insurance Company Ltd. has a track record of setting claims even within 2 hours.

    Secondly, in case of an online claim submission, you can at least see what portion of the claim is covered by the insurer, what are the deductibles to be paid, the tentative day for settlement etc.

    Online settlement also help you understand better the related out-of-pocket expenses that are not covered by the insurer or the types of refund to be availed under your Star health insurance plan.

    There’s No Such Easy Victory!

    Well, no claim process is easy, no matter how famous the insurer is. It always carries a sort of concern that keeps the insured in a state of uncertainty until it gets settled. So, the rule of thumb says- follow the instructions and wait for your turn!

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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